Toyota RAV4 Hybrid Insurance Rates
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Michelle Robbins
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UPDATED: Apr 15, 2024
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Average auto insurance rates for a Toyota RAV4 Hybrid are $1,198 annually with full coverage. Comprehensive costs an estimated $250, collision insurance costs $424, and liability insurance costs $388. Buying just liability costs as little as $434 a year, and insurance for high-risk drivers costs around $2,584. 16-year-old drivers receive the highest rates at up to $4,498 a year.
Average premium for full coverage: $1,198
Rate estimates broken down by individual coverage type:
Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all RAV4 Hybrid models.
Price Range by Coverage and Risk
For the normal driver, prices range range from as cheap as $434 for just liability insurance to the much higher price of $2,584 for a driver that may need high-risk insurance.
Price Range by Location
Your location has a significant impact on car insurance rates. More rural locations tend to have fewer collision claims than congested cities. The example below illustrates how geographic area affects insurance prices.
These examples demonstrate why everyone should compare rates for a targeted area and their own personal driving habits, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below details average Toyota RAV4 Hybrid insurance rates for other coverage scenarios.
- The best full coverage rate is $694
- Drivers who choose higher $1,000 deductibles will pay approximately $154 annually
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,198
- Buying pricier low deductibles for comprehensive and collision insurance will cost $1,492
- High risk drivers with multiple tickets or accidents could pay up to $2,584
- The cost with full coverage for a teen driver for full coverage can cost as much as $4,498 a year
Auto insurance rates for a Toyota RAV4 Hybrid can also vary considerably based on the trim level of your RAV4 Hybrid, your driving record, and liability limits and deductibles.
A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay at least $4,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out $1,400 to $2,000 in extra premium per year, depending on your age. Toyota RAV4 Hybrid insurance for high-risk drivers can cost anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $450 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $349 extra every year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Toyota RAV4 Hybrid insurance rates. A 40-year-old driver could pay as low as $860 a year in states like Utah, Ohio, and New Hampshire, or at least $1,610 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,080 | -$118 | -9.8% |
| Alaska | $916 | -$282 | -23.5% |
| Arizona | $994 | -$204 | -17.0% |
| Arkansas | $1,198 | -$0 | 0.0% |
| California | $1,362 | $164 | 13.7% |
| Colorado | $1,140 | -$58 | -4.8% |
| Connecticut | $1,226 | $28 | 2.3% |
| Delaware | $1,350 | $152 | 12.7% |
| Florida | $1,492 | $294 | 24.5% |
| Georgia | $1,104 | -$94 | -7.8% |
| Hawaii | $860 | -$338 | -28.2% |
| Idaho | $810 | -$388 | -32.4% |
| Illinois | $890 | -$308 | -25.7% |
| Indiana | $902 | -$296 | -24.7% |
| Iowa | $806 | -$392 | -32.7% |
| Kansas | $1,134 | -$64 | -5.3% |
| Kentucky | $1,630 | $432 | 36.1% |
| Louisiana | $1,770 | $572 | 47.7% |
| Maine | $738 | -$460 | -38.4% |
| Maryland | $988 | -$210 | -17.5% |
| Massachusetts | $954 | -$244 | -20.4% |
| Michigan | $2,076 | $878 | 73.3% |
| Minnesota | $1,000 | -$198 | -16.5% |
| Mississippi | $1,430 | $232 | 19.4% |
| Missouri | $1,062 | -$136 | -11.4% |
| Montana | $1,282 | $84 | 7.0% |
| Nebraska | $942 | -$256 | -21.4% |
| Nevada | $1,434 | $236 | 19.7% |
| New Hampshire | $864 | -$334 | -27.9% |
| New Jersey | $1,334 | $136 | 11.4% |
| New Mexico | $1,054 | -$144 | -12.0% |
| New York | $1,258 | $60 | 5.0% |
| North Carolina | $688 | -$510 | -42.6% |
| North Dakota | $978 | -$220 | -18.4% |
| Ohio | $824 | -$374 | -31.2% |
| Oklahoma | $1,226 | $28 | 2.3% |
| Oregon | $1,094 | -$104 | -8.7% |
| Pennsylvania | $1,140 | -$58 | -4.8% |
| Rhode Island | $1,592 | $394 | 32.9% |
| South Carolina | $1,084 | -$114 | -9.5% |
| South Dakota | $1,008 | -$190 | -15.9% |
| Tennessee | $1,044 | -$154 | -12.9% |
| Texas | $1,440 | $242 | 20.2% |
| Utah | $884 | -$314 | -26.2% |
| Vermont | $816 | -$382 | -31.9% |
| Virginia | $716 | -$482 | -40.2% |
| Washington | $920 | -$278 | -23.2% |
| West Virginia | $1,096 | -$102 | -8.5% |
| Wisconsin | $824 | -$374 | -31.2% |
| Wyoming | $1,062 | -$136 | -11.4% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota RAV4 Hybrid | $320 | $542 | $332 | $1,330 |
| 2023 Toyota RAV4 Hybrid | $306 | $536 | $338 | $1,316 |
| 2022 Toyota RAV4 Hybrid | $296 | $524 | $354 | $1,310 |
| 2021 Toyota RAV4 Hybrid | $286 | $502 | $364 | $1,288 |
| 2019 Toyota RAV4 Hybrid | $260 | $450 | $384 | $1,230 |
| 2018 Toyota RAV4 Hybrid | $250 | $424 | $388 | $1,198 |
| 2017 Toyota RAV4 Hybrid | $240 | $380 | $390 | $1,146 |
Rates are averaged for all Toyota RAV4 Hybrid models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy More Affordable Toyota RAV4 Hybrid Insurance
Saving money on Toyota RAV4 Hybrid insurance not only requires avoiding accidents and claims, but also having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates once a year by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
The points below are a summary of the data that was presented in the illustrations above.
- You may be able to save approximately $140 per year just by quoting online well ahead of the renewal date
- Drivers who want increased liability limits will pay around $430 every year to go from a minimum limit to higher 250/500 limits
- Drivers under the age of 20 are the costliest to insure, with premiums as much as $375 per month if full coverage is included
- High-risk drivers who have multiple accidents or major violations pay on average $1,390 more annually to insure a Toyota RAV4 Hybrid
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,498 |
| 20 | $2,748 |
| 30 | $1,242 |
| 40 | $1,198 |
| 50 | $1,094 |
| 60 | $1,074 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,492 |
| $250 | $1,354 |
| $500 | $1,198 |
| $1,000 | $1,044 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,198 |
| 50/100 | $1,276 |
| 100/300 | $1,373 |
| 250/500 | $1,625 |
| 100 CSL | $1,314 |
| 300 CSL | $1,528 |
| 500 CSL | $1,683 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,410 |
| 20 | $4,376 |
| 30 | $2,634 |
| 40 | $2,584 |
| 50 | $2,464 |
| 60 | $2,442 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $63 |
| Homeowner | $18 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $53 |
| Advance Quote | $58 |
| Online Quote | $85 |
| Total Discounts | $504 |
Discounts are estimated and may not be available from every company or in every state.
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